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Systems and methods to provide messages in real-time with transaction processing

  • US 10,339,554 B2
  • Filed: 03/16/2016
  • Issued: 07/02/2019
  • Est. Priority Date: 06/04/2010
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • providing a computing apparatus comprising;

    a processor coupled in an electronic payment processing network that connects separate computers, includingtransaction terminals configured to generate transactions of payments in the electronic payment processing network using identification information of accounts; and

    computers controlling accounts from which the payments are made and accounts in which the payments are received;

    a data warehouse storing a plurality of trigger records; and

    a portal coupled with the data warehouse and the processor and configured to communicate with mobile devices using communication channels outside the electronic payment processing network;

    processing, by the processor coupled in the electronic payment processing network, an authorization request for a transaction of a payment of a user in the electronic payment processing network;

    determining, by the processor, whether the authorization request matches one of the plurality of trigger records; and

    in response to a determination that the authorization request matches a trigger record in the plurality of the trigger records,identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,generating, by the computing apparatus, a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request, andtransmitting, by the portal, the message to the user via the communication reference prior to providing the benefit to the user.

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